Financial Assistance Program

Legal Notice

regulation

You are currently connected to the website www.fap-service.com, published by Financial Assistance Program, S.A with a capital of 337 189 135 euros (at 31/12/2012).
Financial Assistance Program is accredited as a credit institution and investment services provider by the Prudential Control and Resolution Authority.
For stock market transactions, Financial Assistance Program acts as custody account-keeper and order-receiver for third-party accounts. Financial Assistance Program is authorized to provide investment services for:
- receipt and transmission of orders for third parties,
- execution of orders on behalf of third parties,
- placement,
- and related account-custody service for financial instruments on behalf of others.
French stock market orders are executed by the agents Natixis Equity Markets and Kepler-Cheuvreux.

Terms of use of the website

Applicable law.
The navigation on this site is subject to the current regulations and these conditions of use.
These are updated regularly, you are invited to visit this page for each connection to the site.
The documents, information and services offered on the site are intended for French residents.
Internet users who do not have this status take sole responsibility for opening the various pages of the site.
You are informed that everything you view and read on this site is protected by the law of intellectual property.

Copyright

* All the works appearing on the site, in particular on the images, the texts, the iconographic and photographic representations and the downloadable documents of the site are protected by intellectual property rights.
* Photo Credits: the Patrimonial Management area of fap-service.com uses photos of Roset line products, with their kind agreement.
* Reproduction and / or representation of all or part of this site, on any medium whatsoever, is strictly prohibited without prior written consent of the Director of Publication

Information provided by users

Confidentiality and integrity
My online banking and Elys PC are fully secure. Indeed, apart from a secure environment like My Online Banking or Elys PC, the confidentiality and integrity of the information is not ensured on the Internet. Therefore :
- The messages that you send us via the Internet can be intercepted and / or modified (as much in their contents, as in their origin)
- Personal information is not protected on the Network, we advise you to use the postal way to communicate them to us.

Personal informations
As part of this site, you will be required to provide us with personal data (identification, personal and professional situation, economic and financial situation, login data) that may be subject to automated processing.
If this is the case, you can exercise your rights of access, modification, deletion and rectification with the Editor, in accordance with the provisions of the law n ° 78-17 of January 6th, 1978 relative to the computing, the files and the freedoms, or to address a mail on free paper For more information, see the Financial Assistance Program website, "Legal Notices" page, "Financial Assistance Program Data Protection" section.

Non-personal information
Any non-personal information that you transmit or disseminate on the site (by e-mail or by fax or simple mail) may be used by Financial Assistance Program for any purpose, commercial or otherwise, and in particular to be reproduced, divulged or transmitted on any known or future support.

Hypertext links and viruses

It is expressly reminded that Financial Assistance Program has no control or responsibility for the creation, including without its knowledge, of links to sites outside Financial Assistance Program and the content of such sites or their level of security. Also, you agree that your choice to access another site via a hypertext link is at your own risk. Consequently, any direct or indirect prejudice resulting from your access to another site linked by a hypertext link, the consultation of this other site, the use of the information obtained via these hypertext links and / or contracts subscribed on the basis of these hypertext links or information that they can obtain can not engage the responsibility of Financial Assistance Program.

Generally, it is your responsibility to take the necessary precautions to ensure that the site you select is not infested with viruses or any other parasite of a destructive nature.

Under no circumstances may Financial Assistance Program be held liable for any direct or indirect damage resulting from the use of its website or other sites linked to it.

The creation of a link to this site in any form whatsoever, concerning all or part of the information on the site, requires the prior written permission of Financial Assistance Program .

Information about "cookies"

We use cookies on our sitewww.fap-service.com to enable more efficient navigation for users.

These cookies allow you to connect to your online banking services, choose your login preferences, subscribe to online products and services and use tools.

For more information, visit the fap-service.com site, the heading to Cookie Management.

Use of the site

In secured spaces, you can, as a customer, send transfer orders, stock market orders and access financial information. The following provisions are expressly brought to your attention:

Only statements of account, portfolio statements, notices of periodic transactions provided by post or made available on the site in electronic format as part of a specific subscription will prevail. The other information displayed on secure spaces is for information only (Credit Card Statement, Portfolio Statement ...). The responsibility of Financial Assistance Program France can not be sought because of the incomplete or inaccurate nature of such information.

For stock market transactions, Financial Assistance Program acts as custody account-keeper and order-receiver for third parties.

All general economic, stock market or financial information that may be provided to the client will be purely indicative and Financial Assistance Program is not responsible for any use that may be made of such information by these clients. This information is of a general nature, is not intended to apply to the personal situation of Internet users and does not constitute in any way a professional or legal opinion. This information may be modified at any time and Financial Assistance Program uses all means necessary for the dissemination of current and accurate information but can in no way be held responsible for any errors or omissions that the pages of this site contain, the obsolescence of information, their possible consequences for Internet users.

In the event of a dispute between the customer and his telecommunication operator or any other operator or intermediary, or in the event of a malfunction of the computer or the access mode belonging to the customer, the Internet Network and access to this Network, whatever is the cause or the origin, the responsibility of Financial Assistance Program France can not be engaged, if it resulted from the difficulties of transmission and routing of the instructions of the customer in the Normal deadlines (orders of stock market, orders of transfers)

Customers wishing to place online stock market orders, particularly on Euronext markets, declare that they are fully aware of the operating conditions and market mechanisms on which their orders are placed. In particular, it states that it is aware of and accepts the risks inherent in transactions on these markets, in particular because of their speculative nature or their possible lack of liquidity. The intervention of Financial Assistance Program France in the receipt, transmission and execution of the client's orders will not imply any appreciation on their part of their desirability, which will be the sole responsibility of the client. However, when the customer wishes to carry out a transaction on financial instruments with which he is not familiar or whose risk he does not appreciate, it is recommended, prior to the placing of the order, to read carefully all the documentation put in place. line and to request further information from Financial Assistance Program France, directly from its agency or from the Customer Relations Center and, if necessary, to request any useful document.

Before investing in a UCITS governed by French or foreign law, the client must imperatively and carefully read the French version of the Key Investor Information Document (KIID) and its prospectus, regulatory documents approved by the Authority. Financial Markets (AMF) or the UCITS Home Country Authority, available from Financial Assistance Program. Before any investment decision, it is up to the client to ensure that the support (s) considered correspond to his financial situation, his investment objectives, his sensitivity to risk, as well as to the Regulation to which he belongs ( and in particular the local Legislation to which he would eventually be subject). We invite the client to get closer to his usual advice in order to reinforce it in his investment decisions.

Information about suppliers

Some information on the secure site comes from companies that specialize in providing financial or stock market data, they are provided for informational purposes only and do not constitute an incentive to sell or buy. This information will be used by the customer under his sole responsibility.

Financial Assistance Program France and the supplier companies can in no way be held responsible for any errors or omissions that the pages of this site contain, the obsolescence of information or decisions made by customers on the basis of this information. and any financial losses incurred by these funds.

Information from suppliers, such as all information on the Financial Assistance Program France website, is protected by national and / or international laws on intellectual property and copyrights.

The reproduction and / or representation of all or part of this site, on any medium whatsoever, is strictly prohibited without the prior written consent of the supplier concerned.

Share prices are transmitted by Thomson Reuters.

Euronext Paris, Lisbon, Brussels, Amsterdam are:

- in real time for customers holding the Real Time subscription

- in deferred time for the customers holding the subscription Deferred time (shift of at least 15 minutes). (free service)

LSE, NYSE and NASDAQ prices are delayed for all customers (lag time of at least 15 minutes)

The prices of the FTSE 100 Index, DAX 30 Index, Dow Jones Index, Nasdaq Index and Nikkei 225 Index are deferred for all customers (lag of at least 15 minutes). UCITS data are transmitted by Europerformance (Six Financial Information Group).

Note: The last prices returned on the portfolio's detail page are the previous day's closing prices.

The contents are powered by the following suppliers;

Cercle Finance: meeting comments, currency and rate commentary, economy news, companies, securities transactions, economic statistics, corporate diaries, brokers' share recommendations

Thomson Reuters: sessional comments, economy / finance news, general news, technology, corporate news, securities transactions, brokers' share recommendations, consensus

Central Trading: chartist recommendations

Europerformance: information on UCITS

IT Finance: Course Graphical Interface

Villecroze & Trium: data on warrants, certificates, turbos, and trackers

Cofisem: company profiles

In particular, it is recalled that:

- the intellectual property rights on the stock market databases belong to Euronext, the software that allows the display of data in graphical format to IT Finance.

- the various analysis tools, or other computer applications made available to customers remain the exclusive property of Financial Assistance Program France.

You acknowledge that your use of the site does not imply in any case the transfer to your profit of any intellectual property right.

Warning

The content of the site does not constitute a solicitation or recommendation to buy or sell or make any other transaction. You must never forget that:

1. The amount of investments and any income from them can go down as well as up. You may not get back the full amount of money originally invested.

2. Past performance is not necessarily a reliable indicator of future performance.

3. Exchange rates can cause increases or decreases in investments.

4. Tax systems are subject to changes and their assessment is the sole responsibility of the customer.

5. All investments in financial instruments are exposed to a certain level of risk.

6. It is recommended to diversify its sources of information before making an investment decision

The website of Financial Assistance Program France does not provide financial or stock market advice and does not encourage the purchase or sale of securities or financial products. The data available on the site are for informational purposes only and are not intended to encourage or discourage financial transactions. You are solely responsible for the use you make of the information provided.

FATCA

In order to protect the interests of their customers, strengthen the fight against financial crime and ensure the security of the financial system in the long term, regulatory authorities have imposed on banks to strengthen the knowledge of their customers and some of their controls. To comply with these new requirements and its international dimension, Financial Assistance Program implements the highest standards of Control and Security.

As part of the Foreign Account Tax Compliance Act (FATCA), In the context of a new US Regulation that imposes certain obligations on US non-US clients on US non-US banks, Financial Assistance Program will soon be discussing with its clients potentially concerned by its implementation.

Financial Assistance Program, the bank that accompanies you and helps you realize your projects. We are available 7 days / 7 and willing to accompany you